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Auto Loan Low Payment Program

As your local credit union, our goal is to be here when you need us. Refinance your auto loan for a lower rate and defer your first payment:

  • Get a 0.25% rate discount on a non-Heritage Credit Union auto loan refinance°
  • Plus, make no payments for 90 days**
  • Apply online, e-sign your documents, and choose the method to fund auto loan

Use promo code 2020LOWRATE on your online application to apply for your auto loan rate discount.

Do you have questions? Contact your local Heritage branch >

Our process is fast and simple. Here's what one of our members had to say:

“I would recommend them to anyone looking to have a hassle-free refinance. They go above and beyond to help you out.”

- Bill, Heritage Member

Used Auto Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentºº (per $1,000 borrowed)

24 Months



36 Months



48 Months



60 Months



72 Months



Rates listed effective as of August 13, 2020.

°All offers subject to qualified credit. Accountholder must be 16 years of age or older. Applicants must either be current Heritage Credit Union members or qualify for membership. New members are subject to member eligibility and an initial deposit of $5 into a primary savings account. Auto loan rate discount of 0.25% applies to normal posted rates and cannot be used with other loan specials or rate matches. Promotion runs June 16, 2020 through September 7, 2020. Promotion is subject to change and can end at any time. **Subject to qualified credit. Interest will accrue during 90-day no payment period. Promotion may change or end at any time. ººMonthly payment is based on payment per $1,000 for term and rate shown. Actual rates depend on loan-to-value ratio and creditworthiness. Payment amount does not include amounts for taxes, insurance premiums, titling fees or loan protection products. Down payment requirements may apply.

7 Year ARM Mortgage

3.125% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*